Car Insurance in Florida
- Travelers offers the cheapest liability and full coverage auto insurance in FL
- Compare the cheapest car insurance quotes in FL from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Florida
Car insurance for Florida drivers is 65% more expensive than the national average at $1519 for a 6-month policy.[1] As a result, 46% of Florida drivers who shop with The Zebra state they are paying too much for car insurance.[2]
Your premiums are the result of various factors. The Zebra's experts have analyzed Florida car insurance quotes for multiple driver profiles, coverages, and companies to match you with the best policy.
Continue reading to learn how much auto insurance costs in Florida, or if you're ready to see how much you can save, submit your ZIP code above to receive personalized quotes from top insurance companies
- Travelers' average monthly cost of $169 is cheaper than Florida's average of $244 a month.
- See the other cheapest full coverage insurance companies and best discounts in Florida ↓
- Travelers offers the lowest full coverage insurance at $168 per month.
- Read about the rest of the top and best companies in Florida ↓
- Second only to USAA (which we excluded due to it only being available to military families), State Farm scored 833 (out of 1,000) in J.D. Power's 2023 U.S. Auto Insurance Study for Florida.
- Read about the rest of the top and best companies in Florida ↓
- The Zebra recommends State Farm for its mix of great customer satisfaction, affordable prices and great coverage options
- Read more about why we consider State Farm a good choice for most Floridians ↓
We recommend beginning, not ending, your search for cheap car insurance coverage in Florida with our picks. The chart above shows rates for some of the top car insurance companies in Florida and their average rates for full coverage policies. Don't forget to get personalized quotes to see if one of our recommendations is the best fit for you.
Cheap liability insurance in Florida
In Florida, the average quote for liability insurance is $413 per 6-month period. Below, we show the average cost from the most popular companies in Florida for liability coverage, a fraction of the average paid for full coverage insurance.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $296 | $49 |
| Mercury | $305 | $51 |
| GEICO | $317 | $53 |
| State Farm | $359 | $60 |
| Allstate | $517 | $86 |
| Progressive | $700 | $117 |
| United Automobile Ins Group | $727 | $121 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Is the required liability insurance in Florida enough?
It may be tempting to stick with the liability-only coverage as 44% of Floridians do. However, most insurance professionals would advise against this as it leaves you and your vehicle exposed to risk. The requirements for liability-only insurance in Florida are only $10,000 per accident for property damage liability and $10,000 per person for personal injury protection.
Rather than requiring bodily injury liability coverage (usually mandatory), Florida drivers instead rely on personal injury protection (PIP) to cover injuries due to Florida's status as a no-fault state. This differs from other states which typically require bodily injury liability coverage.
Cost comparison: liability only vs full coverage in Florida
Without question, liability-only coverage is far cheaper than full coverage. This is because liability coverage typically only covers accidents or damages that you cause to others and provides no coverage to you or your vehicle. See how the prices stack up below.
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| United Automobile Ins Group | $727 | $1,663 |
| Progressive | $700 | $1,562 |
| Allstate | $517 | $2,052 |
| State Farm | $359 | $1,105 |
| GEICO | $317 | $1,314 |
| Mercury | $305 | $1,658 |
| Travelers | $296 | $1,000 |
Find the best coverage and price in Florida with The Zebra
Cheapest full coverage insurance in Florida
In Florida, you can expect to pay around $1519 for a 6-month policy with $500 comprehensive and collision deductibles.
While this is substantially more than liability-only car insurance in Florida, The Zebra usually recommends adding comprehensive and collision coverage (aka, full coverage) insurance if your vehicle is worth $4,000+. This is because liability-only insurance does not adequately protect you against the costs of car accidents, thefts, vandalism, or weather incidents.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,000 | $167 |
| State Farm | $1,105 | $184 |
| GEICO | $1,314 | $219 |
| Progressive | $1,562 | $260 |
| Mercury | $1,658 | $276 |
| United Automobile Ins Group | $1,663 | $277 |
| Allstate | $2,052 | $342 |
About 78% of The Zebra's Florida drivers select full coverage. Although definitions can differ, full coverage generally includes comprehensive and collision coverage to protect your car.
This type of insurance safeguards you against expenses resulting from car accidents, theft, vandalism, or weather-related damage. Comprehensive coverage specifically protects your vehicle from hurricane damage, giving you peace of mind during Florida's storm season.
Zebra Tip: Search out these car insurance discounts
- Payment methods: Advance purchase, electronic bill pay, pay-in-full
- Driver discounts: Bundling (multi-policy), multi-vehicle, good driver, good student, homeowner, low mileage, loyalty
- Vehicle discounts: New vehicles, safety devices, anti-theft devices, eco-friendly vehicles
- Telematic programs: Many companies in Florida offer telematics and usage-based discounts. State Farm's "Drive Safe & Save" and "Steer Clear" for young drivers. Farmers' Signal and Progressive's Snapshot also offer reduced rates based on your driving habits.
What are the best car insurance companies in Florida?
While price is important, you want to make sure that you're getting the best value with your auto coverage. We at The Zebra take a company's reputation for service seriously, which is why we spent time finding the best options for Florida drivers. Our "best value" choice is based on price, coverage options and ratings from companies like JD Power and our own Customer Satisfaction Survey.
State Farm topped our list for the best overall option for Florida drivers. This is because of its cost, its coverage and its consistently high satisfaction ratings. State Farm topped JD Power's satisfaction list for the state of Florida and also placed fourth overall in The Zebra's Customer Satisfaction Survey.[3][4]
-
Top notch customer service ratings
-
Affordable pricing for most drivers
-
Good coverage options (including bundling)
-
Pricier for younger drivers
-
Not as tech or mobile-friendly as some other carriers
-
Some areas of the state may be more expensive than others
Best car insurance in Florida — honorable mentions
While State Farm topped our list, these companies also scored well. For this list, we used ratings from the JD Power auto insurance survey and The Zebra's Customer Satisfaction Survey, which collected responses from 2,722 drivers to help us determine which companies were making customers happiest.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $1,314 | $219 |
| Progressive | $1,562 | $260 |
| Allstate | $2,052 | $342 |
How did we pick what company has the "Best Value" in Florida?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Florida
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Compare Florida car insurance quotes and companies with The Zebra.
Car insurance cost in Florida's top cities
Where you live in Florida can greatly impact how much you pay for car insurance. Coastal areas, such as Miami, often face higher premiums due to the increased risk of natural events.
Jacksonville tops the list for the cheapest city for car insurance among Florida's biggest cities, with Orlando and St. Petersburg coming in second and third, respectively. Below you'll find the average costs for Florida's top cities by population.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Jacksonville | $1,434 | $239 |
| Orlando | $1,538 | $256 |
| St. Petersburg | $1,675 | $279 |
| Tampa | $1,902 | $317 |
| Miami | $2,024 | $337 |
| Hialeah | $2,073 | $345 |
Florida auto insurance costs after an accident or ticket
A history of accidents or tickets can play a big role in how much you pay. This is because your driving history is another indicator of risk — and risk is something insurance companies want to avoid. Having a recent at-fault accident in your driving record could raise your premiums by as much as $992 per year.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,310 | $218 |
| State Farm | $1,491 | $248 |
| GEICO | $1,651 | $275 |
| United Automobile Ins Group | $2,141 | $357 |
| Progressive | $2,413 | $402 |
| Mercury | $2,463 | $410 |
| Allstate | $2,533 | $422 |
Zebra Tip: Think about claim satisfaction
Ideally, you won’t have to use your insurance, but if the need arises, a hassle-free process is vital. In our 2024 Customer Satisfaction Survey, we assessed how satisfied people were when filing claims. Erie was rated the highest and is a solid option to consider if you're based in Florida.
When you receive a ticket, your car insurance rates will probably go up. How much your rate will increase depends on the violation, your car insurance company's pricing standards and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in Florida after a few common citations.
The Zebra's guide to Florida car insurance laws
Violations like reckless driving or a DUI will require you to make changes to your insurance policy.
Learn more about car insurance requirements in the state of Florida with our helpful guide. Or, see our brief explanations of how DUIs and SR22s affect your insurance below.
Florida DUI laws
In Florida, a DUI offense can increase your annual car insurance premium by over 50%. Finding affordable auto insurance after a DUI violation can be a challenge. In fact, a DUI often triggers a bigger premium increase than most single road violations.
Low-cost car insurance after a DUI in Florida
If you're convicted of a DUI violation in Florida, it’s important to assess each of your insurance choices carefully. Car insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Florida, Travelers, advertises annual rates 35% less than the statewide average insurance rate with a DUI. The second cheapest insurer for auto insurance after a DUI in Florida is State Farm, while the most expensive is United, with prices 26% above average.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Travelers | $1,438 |
| State Farm | $1,689 |
| Progressive | $1,761 |
| GEICO | $1,947 |
| Mercury | $2,340 |
| Allstate | $2,622 |
| United Automobile Ins Group | $2,835 |
There is no insurer in particular that offers an inexpensive DUI car insurance rate that's comparable to a rate without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.
Florida SR22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Florida to ensure that you remain insured.
Florida also has an FR-44 form, which is similar to an SR-22 except that it often requires much higher levels of liability coverage. Finding cheap auto insurance with an SR-22 in Florida might require some research, but it could pay off in the end.
Find an affordable policy in Florida in minutes!
Car insurance price trends in Florida
In Florida, average annual auto insurance costs increased by $101 in the past year. A typical Florida driver pays an average of $1519/6-months compared to national average of $880 for a full coverage auto insurance.
From 2015 to 2024, Florida's car insurance rates have fluctuated a lot. The average annual premium jumped from $1,544 in 2015 to $3,038 in 2024. Notable hikes happened in 2016 and 2022, with premiums rising by $330 and $498 respectively. But it hasn't been all uphill; for instance, 2023 saw a $96 decrease. Despite a few dips, the overall trend is clear: premiums are climbing, with a $211 increase in 2024 alone.
Some of the reasons for Florida's more expensive insurance costs include the state's higher levels of insurance fraud and its larger-than-average number of uninsured drivers.[6]
Mark Friedlander — Communications Director, Insurance Information Institute
Florida drivers pay amongst the highest average auto insurance rates in the U.S. for a variety of reasons. This includes high accident frequency and severity, congested highways, costly repairs, escalating medical expenses to treat accident victims and a vehicle theft rate that is among the worst in the country.
Further reasons for car insurance increases in Florida
"Florida drivers also face severe weather hazards year-round, not only causing accidents but flooding out vehicles that are typically totaled by insurers. An above-average uninsured motorist rate also plays a role in the cost of Florida insurance.
Additionally, Florida has the highest volume of litigated auto claims in the U.S., averaging 20,000 to 30,000 personal injury lawsuits filed per month. This is despite tort reform that was passed by the state’s legislature in March 2023. And to top it off, Florida drivers face an extreme level of fraud schemes, including staged accidents and windshield replacement scams by unscrupulous actors."[5]
Mark Friedlander — Communications Director, Insurance Information Institute
Cheap auto insurance in Florida for young drivers
Young drivers pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance.
In Florida, teen drivers between the ages of 16 and 19 pay $6,295 per year — which is $4,766 more than the national average and 160% higher than what a 30-year-old Florida driver would pay.[1]
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $2,726 | $454 |
| Travelers | $3,083 | $514 |
| State Farm | $3,558 | $593 |
| United Automobile Ins Group | $4,127 | $688 |
| Progressive | $4,637 | $773 |
| Allstate | $5,283 | $881 |
| Mercury | $7,392 | $1,232 |
| Company | 16-year-old | 17-year-old | 18-year-old |
|---|---|---|---|
| Mercury | $10,268 | $7,901 | $7,446 |
| Allstate | $6,744 | $6,315 | $5,113 |
| Progressive | $5,822 | $4,921 | $4,324 |
| United Automobile Ins Group | $5,081 | $4,630 | $3,862 |
| State Farm | $4,814 | $3,653 | $3,249 |
| Travelers | $4,338 | $3,207 | $2,663 |
| GEICO | $3,163 | $2,719 | $2,579 |
Zebra Tip: Strategies for young drivers to lower premiums
- Enroll in a recognized defensive driving course.
- Opt for an affordable vehicle with excellent safety features rather than a high-performance car.
- Remain on a parent’s insurance policy.
- Students with a higher than B average might qualify for a Student Discount.
Florida car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Florida auto insurance.
Overpaying for car insurance? Compare quotes to discover how much you can save.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
2024 Customer Satisfaction Survey. The Zebra
Mark Friedlander. Personal Interview
Insurance Information Institute: Uninsured Motorists Statistics
Learn more about car insurance in Florida
- Car Insurance in Lakeland, FL
- Car Insurance with a DUI in Florida
- Car Insurance in Cape Coral, FL
- Average Cost of Auto Insurance in Florida
- Car Insurance in Port St. Lucie, FL
- Florida Car Insurance Laws
- Car Insurance in Tallahassee, FL
- Car Insurance in Hollywood, FL
- Car Insurance in Miami, FL
- Sunrise, FL Car Insurance
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.